Dreyfus Thrift & Commerce in Salt Lake City, Utah (UT)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 16, 1993

Dreyfus Thrift & Commerce in Salt Lake City, Utah (UT)
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Dreyfus Thrift & Commerce - Overview

General
FDIC Certificate #: 27319
Status: Inactive
Federal Reserve ID: 1216684
Date Established: August 18, 1988
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 39564
Numeric code: 23
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: August 18, 1988
Last Structure Change Effective Date: March 16, 1993
Last Structure Change Process Date: May 13, 1993
Last Data Update: May 13, 1993
Data Source Date: April 05, 2012
Location
Address: 5 Triad Center, Suite 470, Salt Lake City, UT 84180
County: Salt Lake
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Salt Lake City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Salt Lake City-Ogden, UT (#7160)
Combined Statistical Area (CSA): Salt Lake City-Ogden-Clearfield, UT (#482)
Core Based Statistical Area (CBSA): Salt Lake City, UT (#41620)
CBSA Metro Statistical Area: Salt Lake City, UT (#41620)
History of Changes
Other Liquidations and Closings
Financial Summary
Total assets: $8.9 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$3Total assets
$8,945Cash and due from depository institutions
$148Interest-bearing balances
$100Securities
$7,963Federal funds sold & reverse repurchase agreements
$100Net loans & leases
$383Loan loss allowance
$8Trading account assets
$0Bank premises and fixed assets
$18Other real estate owned
$0Goodwill and other intangibles
$203Life insurance assets
$130All other assets
$0Total liabilities and capital
$8,945Total liabilities
$3,555Total deposits
$3,474Interest-bearing deposits
$3,474Deposits held in domestic offices
3474.00%% insured (estimated)
$100Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$81Total equity capital
$81Total bank equity capital
$5,390Perpetual preferred stock
$0Common stock
$1,000Surplus
$4,283Undivided profits
Memoranda
$107Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$4Earning assets
$8,546Long-term assets (5+ years)
$64Average Assets, year-to-date
$9,851Average Assets, quarterly
$9,223Volatile liabilities
$216Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$325Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$5,260Total risk weighted assets
$4,523Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$603Total interest expense
$186Net interest income
$417Provision for loan and lease losses
$4Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$0Additional noninterest income
$0Total noninterest expense
$337Salaries and employee benefits
$168Premises and equipment expense
$51Additional noninterest expense
$118Pre-tax net operating income
$76Securities gains (losses)
$122Applicable income taxes
$68Income before extraordinary items
$130Extraordinary gains - net
$0Net income attributable to bank
$130Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.37%Cost of funding earning assets
1.96%Net interest margin
4.41%Noninterest income to earning assets
0.00%Noninterest expense to earning assets
3.56%Net operating income to assets
0.50%Return on assets (ROA)
1.32%Pretax return on assets
2.01%Return on equity (ROE)
2.43%Retained earnings to average equity (YTD only)
2.43%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
77,938Assets per employee
2.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.05%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
11.02%Net loans and leases to core deposits
11.76%Equity capital to assets
60.26%Core capital (leverage) ratio
58.31%Tier 1 risk-based capital ratio
116.30%Total risk-based capital ratio
Memoranda
$116Average assets
$9,851Average earning assets
$5,341Average equity
$9,466Average loans

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